The insurance premiums below are based on the total business contents sum insured however the cover provided includes contents, business interruption, loss of money and liabilities as detailed below – additional cover is available on request.

N.B. the total contents sum insured should reflect the full replacement cost of ALL of your office contents (inc. computer & electronic office equipment), where computer and electronic equipment exceed £20,000 a NACOSS Central Station Level One Police Response Alarm is required.

The insurance premiums below are based on the total business contents sum insured however the cover provided includes contents, business interruption, loss of money and liabilities as detailed below – additional cover is available on request.

N.B. the total contents sum insured should reflect the full replacement cost of ALL of your office contents (inc. computer & electronic office equipment), where computer and electronic equipment exceed £20,000 a NACOSS Central Station Level One Police Response Alarm is required.

The following additional covers can be quoted for on request – please call 0800 055 60 83:

Additional Risk Addresses

Additional Contents Sums Insured

Additional Stock Sums Insured

Extended Liabilities

Business Interruption both Gross Revenue and Additional Cost of Working

Material Damage for Buildings

Legal Expenses Insurance

Personal Accident Insurance

ROYAL AND SUN ALLIANCE OFFICE AND HOME OFFICE INSURANCE SCHEME

TERMS AND CONDITIONS

* All risks must have all of the following features:

Not currently insured with Royal & Sun Alliance

Not currently subject to any long term agreement/undertaking

Office does not contain an atrium

Premises occupied solely as an office/home office

No more than 2 claims or circumstances in last 3 years and/or no single loss claim £10,000 or greater. Details of all claims in the past 3 years to be provided including those settled and outstanding, as well as incidents that could have resulted in a claim being made.

Proposer has not at any time been refused similar insurance, or had any policy cancelled or voided at any time

No manual work carried out and no work carried out offshore

If you do not comply with all of the above please contact our office on 0800 055 60 83 as we may be able to refer to insurers.

POLICY BENEFITS :

* 24 hour emergency helpline

TERMS & CONDITIONS :

* £250 policy excess

* Acceptance of the Statement of Fact

* Payment of premium

* Excludes war and terrorism cover – separate quotation available on request

* Standard policy wordings and warrantees

* Policy period – 12 months renewable annually

* Security Requirements as detailed below:

1. Offices

It is a condition of the policy that the following minimum levels of security are fitted and in operation whenever the premises are closed for business. Otherwise, we regret that no theft insurance will be given.

Window locks are fitted to all accessible windows and fanlights (please check for any adjacent roof)

The final exit door, or the actual door/s to your own office if in a shared building, is fitted with a five lever mortice deadlock (to BS3621) and hinge bolts (where the hinges are exposed on the outside of the door)

All other external doors are fitted with:

a five lever mortice deadlock (to BS3621)

hinge bolts (where the hinges are exposed on the outside of the door)

rack bolts to top and bottom

2. Home Offices

Minimum levels of physical security required:

Main entrance door: 5-lever mortice deadlock to British Standard 3621, or rim deadlatch with key locking handle on inside.

Other external doors including patio doors: as above, or with Key Operated bolts top and bottom in addition to existing locks.

b. Personal Injury Benefits (per Unit)
These are payable, per unit of cover, for injury caused following a robbery:

Death / loss of one or more limbs / eyes or Permanent Total Disablement from gainful employment of any and every kind – £5,000

Temporary Total Disablement – £50 per week for up to 104 weeks

2 Units of cover are automatically provided, if more cover is required then Personal Accident cover should be taken.

c. Higher Sums Insured
The standard money limits can be increased provided that adequate precautions are taken and the safe is suitable to hold the amount of money at risk.

Computer Covers

a. Cover is on ‘All Risks’ basis and is subject to a £250 excess

Theft cover is ‘full’ theft

Subsidence is subject to an excess of £1,000 each and every claim

Cover anywhere in the world

b. Computers are insured on the Day One basis providing automatic 15% uplift of Declared Value.

c. Breakdown cover subject to a Maintenance Agreement in force.

d. Reinstatement of computer records up to £10,000 provided that a back-up of information (other than software programs) is carried out at least once every twenty four hours verified and stored taking all reasonable precautions in their safe storage. Also separately maintain one verified back-up copy at least once every seven days in a location away from the Premises or be kept in a fire proof safe or cabinet on the Premises.

e. Additional costs of renting computers £7,500

f. Incompatibility of Computer Records £10,000

g. Accidental discharge of gas systems £5,000

h. Additional cost of working at £25,000 with six month indemnity limit (higher limits available see rating section)

Legal Expenses (Optional)

Cover is provided for the costs incurred in pursuing or defending the legal rights of the business including:

Contract of Employment disputes

Race Relations Act

Sex Discrimination Act

VAT and Revenue laws

Property Damage and Nuisance actions against third parties

Contract disputes (minimum claim amount of £1,000)

The Limits of Liability are:

Any one event: £100,000
Any one period of insurance: £1,000,000

Personal Accident (Optional)

A maximum of five units of cover may be taken out for each member of staff. Benefits are provided for accidental bodily injury occurring anywhere in the world and at any time. Cover is 24 hour.

Age Limit – 16 years to expiry of the Period of Insurance during which the person attains the age of 70 years.

Events Benefits per unit

a. Death £10,000
b. Loss of one or more limbs or eyes £10,000
c. Permanent Total Disablement from Gainful employment of any and every kind £ 10,000
d. Temporary Total Disablement £50 per week up to 104 weeks in all
e. Temporary Partial Disablement £20 per week up to 104 weeks in all
f. Medical Expenses £2,500 maximum regardless of no of units

Policy Summary Statement

This policy is an annually renewable Professional Insurance Select product, underwritten by Royal & Sun Alliance Insurance plc. The information below provides a summary of the cover provided. For full terms and conditions of the cover, please refer to the policy document a copy of which is available on request.

Law applicable to the Policy

Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of this Insurance shall be governed and construed in accordance with English law and shall be resolved within the non-exclusive jurisdiction of the courts of England and Wales .

Complaints Procedure

We aim to provide you with a first class service. If we have not delivered the service that you expect or you are concerned with the service provided, we would like the opportunity to put things right.

Our complaints process

Initially please raise your concerns with your usual business contact. If your complaint is not resolved or you are not happy with our response and the course of actions proposed, you can progress your complaint to our Customer Relations Office. A separate investigation will then be carried out in an attempt to resolve your complaint and a final response issued. However if resolution is not possible they will issue a response within 8 weeks of your original complaint.

Customer Relations Contact Details

What to do if you are still not satisfied

If you are still not satisfied, Royal & Sun Alliance Insurance plc is regulated by the Financial Services Authority whose arbitration service is the Financial Ombudsman Service and you may be able to refer your complaint to them.

Your rights as a customer to take legal action remain unaffected by the existence or use of any complaints procedures referred to above. However the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced.

What We Can Offer

Tailored Schemes

Unique to Insurance2day, our clients benefit from our in-house delegated authority schemes – because every business is different and requires a tailored solution.

No Call Centres

Although we use a brief recorded message, we're not a call centre. In fact, should you wish to, you can pop into the office and speak to any member of our experienced team.

Same Day Cover

Our experienced team can provide same-day quotes and cover in a prompt and efficient manner for many different policies.

What Others Say

We have always found Insurance2day to be a very friendly and efficient provider to work with, showing empathy to clients/customer, whilst remaining commercially cost effective, when compared to the market place. If you need Professional Indemnity Insurance, we wholeheartedly recommend what you consider the services of Insurance2day.

A friend recommended Emma at Insurance2day. When we spoke with Emma she knew exactly what we wanted and, more importantly, the insurance companies to approach. A quotation was promptly obtained and the insurance put in place. A very impressive service.

Insurance2day have delivered above and beyond our expectations and done so without a hitch for the last 8 years. They are always available to answer any of our queries. Keep up the good work and thank you